Does a Roth conversion affect Medicare premiums?

Yes. A Roth conversion increases your MAGI, which can push you into a higher Medicare IRMAA bracket and raise your Part B and Part D premiums about two years later.

How much can I convert without triggering IRMAA?

Up to the top of your current IRMAA bracket. This calculator shows your remaining headroom before the next tier.

Roth Conversion IRMAA Calculator

Planning a Roth conversion? See whether it pushes you into a higher Medicare IRMAA bracket, what the extra premium costs, and how much you can convert before the next tier.

Filing status

Current MAGI (before conversion)

Planned Roth conversion amount

Both spouses on Medicare (household total)

Why Roth conversions and IRMAA collide

A Roth conversion is taxable income, so it raises your MAGI. Medicare uses your MAGI from two years ago to set your Part B and Part D premiums (IRMAA). So a big conversion today can spike your Medicare premiums two years later — often by more than $1,000 per person if it tips you over a bracket.

The planning move

Convert up to the top of your current bracket — capturing low-tax space without triggering a surcharge. This tool shows your exact headroom. Spreading conversions across several years is often cheaper than one large conversion.

Related calculators

2026 Medicare IRMAA Calculator → — your full premium by income
RMD Calculator → — required withdrawals that also raise MAGI
Social Security Tax Calculator →

General estimate using 2026 IRMAA brackets. Not financial or tax advice. IRMAA tiers and the 2-year lookback can change; a conversion’s income-tax cost is separate from the IRMAA impact shown here. Verify with a tax professional.